Sam and Adam discuss five tips for making a retirement income drawdown strategy, and also discuss other factors you need to consider, including:

- Your marital status

- Your savings

- Your life expectancy

- The kinds of retirement accounts you have

- What you think your expenses will be in retirement

So, before you start running to the Social Security office and filling out that paperwork on your 62nd birthday, take a moment to consider if it's in your best interest to start making those withdrawals as soon as you're eligible to do so.